Expat Life Insurance from Life-Ins.co.uk

           
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Invest & Protect LTD
45 Market Street
Wirral
Cheshire
CH47 2BQ

Tel 0044 845 539 04 04

Tel 0044 151 632 66 66

Fax 0044 151 632 2117

email:
info@life-ins.co.uk

Office Hours
9am - 5pm
 

 Expatriate life insurance


No matter what nationality you are, as long as you are living overseas and not in your country of origin we canExpatriate Life insurance for Foreign Nationals obtain a life insurance plan for you so why not complete the form below and see how we can help you.
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Finding life insurance cover when you are an expatriate living abroad can be very difficult. For this reason here at life-ins.co.uk we have set about not only securing quality expatriate life insurance cover but also making sure that is at the best possible price we can obtain.

First it is important to understand the reasons why Expatriate clients have difficulties getting life cover when they are living overseas. To do this you need to know what purchase options there are for life insurance while you are living abroad.

Option 1 Country of residence

Option 2 Country of Nationality

The problem with Option 1 is it is always going to be the fact that you are not a national of that particular country. No matter were you are living their rules rarely accommodate easy purchase of products such as these by expats.

Option 2 will also present issues the main being down to mortality rates. Take the United Kingdom as an example. If you live in the United Kingdom there are statistics known by actuaries of every single life insurance company that state when you are going to die when you are going to suffer a critical illness and so on these statistics are known as Mortality rates for death and Morbidity rates for illness. Now obviously no one actually knows when you are going to die but actuaries know when you are statistically going to die based on what part of the country you live in and what you do for a living, what your health is like and what activities you like to undertake. It is these very statistics that decide exactly what you pay for life insurance. These statistics are very much like the odds on a horse race ie. the likelyhood of any one horse coming in before another.

Now what on earth has this got to do with Expatriate Life insurance? I can hear you ask. Simple these statistics don't just differ depending on what part of the UK you live in, they significantly differ depending what part of the world you live in and it is for that reason UK life insurance companies don't like insuring people living abroad. Because if they do in a lot of cases they would not be charging enough money. The reason for this is the UK has some of the lowest mortality rates in the world and some countries have very high mortality rates meaning that the statistical chance of you dying increases if you live in the country.

With that explained you will now understand why some countries are quite expensive but please be assured that we are always trying to make sure that the quotes that we obtain on your behalf are the best we can get.

That said if you would like us to obtain you a free no obligation quote please complete the form below and one will be mailed straight back to you.
Name of Life assured One  
Sex  
Email  
Country of residence  
Nationality  
Date of Birth  
Smoker Yes/No  
Sum assured             
Premium frequency  
Term in years  
Occupation  
Do you own a UK property  
Telephone Number
Please try to include the country code
 
Please enter any other form of contact if available
eg. SKYPE, MSN Messenger etc
 

In the event of joint life -

- Partners details
Name Life assured two  
Sex  
Country of residence  
Nationality  
Date of Birth  
Occupation  
Smoker Yes/No  
Any other comments  

Before clicking submit please check all the boxes are complete as incomplete boxes will result in us being unable to provide a quote.


Life-Ins.co.uk is a service provided by Invest & Protect Ltd. Invest & Protect Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 439830. The Financial Conduct Authority does not regulate all the products and services we offer.


For More information on Invest & Protect Ltd and their services or for Independent financial advice please visit Investandprotect.co.uk

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